Security
Keeping your money and account safe
How we protect you
Encrypted and protected
Connections to CrossaPay are encrypted. Passwords are stored as one-way hashes and recipient account numbers are encrypted.
Two-step sign-in
Add a code from an authenticator app to every sign-in in Profile → Security. Our staff must use it.
Every transfer checked
Transfers are checked for fraud before you pay and again before payout. Refunds need two members of our team.
We never ask for codes
No one from CrossaPay will ever ask for your password, your PIN or a one-time code.
Common scams
Only send money to people you know and trust. Once a payout is completed, it can’t be reversed.
- “Customer support” asking for a code or PIN
- Real CrossaPay staff never ask for your password, mobile money or bank PIN, or a one-time code — by phone, WhatsApp, text, email or social media. Anyone who does is a scammer.
- A screenshot or alert saying you’ve been paid
- Screenshots and text alerts are easy to fake. Only trust money you can see in your own bank or mobile money account.
- “I sent you money by mistake — please send it back”
- Don’t send anything back yourself. Check your own account first, and contact your bank or provider if money really did arrive.
- Someone you’ve only met online asks for money
- Be very careful with people you’ve never met in person, especially if they ask for money urgently, for an emergency, a visa, a parcel or an investment.
- Investments or jobs that promise quick returns
- If you have to pay to receive money, prize winnings or a job, it’s almost certainly a scam.
- Links in messages asking you to log in
- Type our address into your browser yourself, or use a bookmark, instead of following links in messages.
Keep your account secure
- Use a strong password that you don’t use anywhere else.
- Turn on two-step sign-in in Profile → Security.
- Check the devices signed in to your account in Profile → Security, and sign out any you don’t recognise.
- Check your recipient’s details carefully before you pay. Where available, we show the name registered to a bank account.
If you think something is wrong
- Change your password and sign out of all other devices (Profile → Security).
- Contact us straight away — email support@crossapay.com, or open a ticket from Support in your CrossaPay dashboard. Give us the transfer reference if there is one.
- If money left your bank or mobile money account without your permission, contact your bank or provider too.
- If you were the victim of a crime, report it to the police.
Reporting a security problem
If you’ve found a weakness in our website, please tell us privately so we can fix it — email support@crossapay.com, or open a ticket from Support in your CrossaPay dashboard. Please don’t access other people’s data or disrupt the service while testing.
Read more in our Privacy Policy and Terms.